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See if you're a VIP member of Coastal! Fill out our Loan Rebate and Bonus Dividend calculators.
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VIP Program - How it Works

Members who perform 144 withdrawals from a Coastal checking account within the calendar year are automatically enrolled into Coastal's VIP Program. In addition, VIP members who have their core financial relationships at Coastal are eligible to earn money back in the form of dividends when they have two or more loan and/or deposit products.

Determining if you are a VIP:
It's simple! You are a VIP member when you perform a minimum of 144 withdrawals from your Coastal checking account during the previous calendar year.

Being a Coastal VIP member gives you the opportunity to receive special offers and benefits throughout the year. One of the most notable benefits Coastal makes available to qualifying VIPs is a special payout that takes place at the end of a financially successful year. The payout comes in the form of a Loan Rebate Dividend or a Deposit Bonus Dividend, which is based on the type of financial relationship a VIP member has with us.

Determining if you earned a Loan Rebate Dividend:
To receive a Loan Rebate Dividend, you must earn VIP status with your primary checking account and have two or more ofthe following core loan types:

  • Mortgage
  • Auto
  • Home Equity
  • Visa

Determining if you earned a Deposit Bonus Dividend:
To receive a Deposit Bonus Dividend, you must earn VIP status with your primary checking account and have two or more of the following core deposit types:

  • Wealth Management
  • Coastal IRA
  • Certificate
  • Money Market

Note: Multiple accounts of the same loan or deposit type count as one. For example, three Money Market Accounts would count as one type.

To qualify for both the Loan Rebate Dividend and the Deposit Bonus Dividend payout, you must:

  • Be a member in good standing, which is having a minimum of at least $5.00 in their Primary Share Account.
  • Be a member of record on the declaration date of December 31, 2014 through the payout date of January 27, 2015.
  • Not have a share or loan charge-off.
  • Not have had a loan delinquent by 60 days or more between January 1, 2014 and December 31, 2014.

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